Auto policies protect us from liability for accidents that are caused by our errors while driving a car. We are always in need of coverage to protect our families and assets. However, there are always a number of exclusions. For instance there is no coverage if you did not lend a car to someone but instead it was stolen without your knowledge and consent.
Unfortunately, some unscrupulous insurers want your premiums but when you need coverage they are not willing to give the protection you paid for. As an example, there is apparently a new campaign we are observing with a certain California insurer. If you use your car for any errand that is work related, this insurer is now denying coverage. Pick up the mail one day for work, deliver a package for your employer, pick up your bosses lunch, anything at all, in our observation, is now triggering this insurer to deny coverage.
While almost all policies have a limitation of coverage if you use your car for work, until now, the intent was to identify more than casual use for work and charge a premium if you used your car more often than casually. If a worker was for instance a salesperson using the car for driving to and from customers, the carrier wants to charge greater premiums for the excessive risk.
This insurer is apparently not interested in making sure you are covered. They would rather advertise the lowest premiums, and seek your premium money, then find a way to deny coverage as we have seen in a recent flurry of cases in our office, only to leave you holding the bag if the accident then occurred while you were on an errand with your employer.
As always, selecting insurance coverage by the lowest premium carrier does not necessarily protect you when you need it. We know the trouble carriers because we work with them every day. Feel free to call us and we would gladly give our opinion on the reputable carriers in this State based on our experience. If you use your car for any work related tasks, make sure that you get a letter from the agent stating that you are covered if involved in an accident.